Contractor's All Risk (CAR) / Erection All Risk (EAR) Insurance

Contractor's All Risk (CAR) / Erection All Risk (EAR) Insurance

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Covers loss or damage from any cause whilst in the contract site—from completion of unloading until, in the case of the works, the expiry of insurance; in the case of construction plant, the commencement of loading for dispatch from site or the expiry of insurance.

What are the information/documents needed for CAR/EAR?

  • Assured’s Name
  • Address/Location of site
  • Nature of Project – commercial, industrial, government/public, or residential
  • Duration
  • Project Cost
  • Limit of Liability (3rd party)
  • Copy of Contract
  • Broker of Record (BOR) – form will be provided by Trinity

Contractor's Risk Insurance covers the following risks:

  • Fire/Lightning
  • Natural perils/acts of nature
  • Landslip/subsidence
  • Accidental damage
  • Collision, Collapse, Impact
  • Theft and Malicious Damage
  • Breakdown and explosion
  • Faults in Construction / Erection
  • Negligence
  • Lack of skill / experience
  • Short circuiting
  • Arching
  • Excess Voltage
Options to include:
  • Construction plant and equipment
  • Third party liability like vibration, removal, and weakening of support
  • Inland transit
  • Debris removal
  • Offsite storage
  • Expediting cost
  • Riot / Strike / Civil Commotion coverage